Your property is one of your most valuable assets. With FNC Finance’s Loan Against Property service, you can unlock its latent financial value to meet high-value funding requirements — without giving up ownership.

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What is a Loan Against Property?

A Loan Against Property (LAP) is a secured loan where you pledge your owned residential or commercial property as collateral to obtain a substantial loan amount. The funds can be used for business expansion, higher education, medical emergencies, marriage, debt consolidation, or any other significant financial need. You continue to occupy and use your property throughout the loan tenure.

Eligibility Requirements

Property Ownership: Applicant must own a clear-title residential or commercial property
Age: 25 to 70 years (loan to be repaid within lender-specified age limit)
Employment: Salaried and self-employed individuals and business owners
Income: Adequate to support EMI repayment
Property: Legally approved and free from existing encumbrances (or with acceptable outstanding loans)

Loan Details

Loan Amount: Typically 50–70% of the property’s current market value
Tenure: Up to 15 years for comfortable long-term repayment
Interest Rates: Significantly lower than unsecured loans due to secured nature
Property Types: Residential homes, commercial premises, industrial property (subject to lender norms)

Benefits of Choosing FNC Finance

Higher Loan Amounts: Access funds not easily available through unsecured options
Lower Interest Rates: Enjoy more affordable financing compared to personal or business loans
Retain Property Use: Continue using your property while leveraging its value
Flexible Usage: No restriction on end-use of funds
Quick Turnaround: FNC Finance expedites the evaluation and approval process

How It Works

Contact FNC Finance and share your property details and funding requirement
Property valuation assessment and eligibility check
Shortlisting of best-fit lenders based on your profile
Shortlisting of best-fit lenders based on your profile
Legal verification and technical appraisal of the property
Loan sanctioned and funds disbursed to your account

Documents Typically Required

Property Documents: Title deed, approved plans, tax receipts, encumbrance certificate
KYC Documents: PAN, Aadhaar, Passport
Income Proof: Salary slips / ITR and audited financials
Bank Statements: Last 6–12 months
Business proof (for self-employed applicants)

Unlock Your Property's Financial Potential

If you own a property and need substantial funds, a Loan Against Property may be your smartest financing option. Talk to an FNC Finance advisor today to understand how much you can unlock.

9427776766 | ✉ finscareconsultancy@gmail.com

At FNC Finance, our story is one of dedication, trust, and a relentless commitment to helping people achieve their financial aspirations.

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+91 9427776766

finscareconsultancy@gmail.com

Office No. M8, 2nd Floor, Hariom Complex, Above IDBI Bank, Rushabh Char Rasta, Adajan Patiya, Surat, Gujarat – 395009